5% cashback on Swiggy app spends (Food Delivery, Instamart, Dineout)
Cashback capped at ₹1,500 per billing cycle for Swiggy spends
5% cashback on select online merchants and categories like apparel, electronics, travel, pharmacies, entertainment and discount stores
1% cashback on other eligible spends
1% cashback capped at ₹1,000 per billing cycle
Fees
Joining FeeComplimentary Swiggy One Membership for 12 month
₹590
₹500 + GST
Annual FeeThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
₹590
₹500 + GST
Eligibility
Age
21-60 years
Salary
₹20K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹100 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹100
Cash Payment₹250 cash payment fee per deposit
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹600
₹10001 - ₹25000
₹800
₹25001 - ₹50000
₹1100
₹50001 - and above
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
No Rewards On
FuelRentJewelleryGovernment paymentsGamingEducationWalletsGift CardsEMI transactionsSmartPaySmartBuy portal and cash advances
Excluded Spends
Cash AdvancesBalance TransferATM Cash Withdrawals
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
